A: Well, we've settled the question of price, quality and quantity. Now what about the terms of payment?
A: 好吧，我们已经谈妥了价格、质量和数量问题。现在谈谈付款条件，怎么样？

B: We only accept payment by irrevocable letter of credit payable against shipping documents.
B: 我们只接受不可撤消的凭装船单据付款的信用证。

A: I see. Could you make an exception and accept D/A or D/P?
A: 哦，你们能不能来个例外，接受承兑交单或付款交单？

B: I'm afraid not. We insist on a letter of credit.
B: 恐怕不行，我们坚持用信用证条款。

A: To tell you frankly, a letter of credit would increase the cost of my import. When I open a letter of credit with a bank, I have to pay a deposit. That'll tie up my money and add to my cost.
A: 坦率地说，信用证会增加我方进口货的成本，要在银行开立信用证，我得付一笔押金。这样，那一部分资金就无法周转，因此会增加成本。

B: Consult your band and see if they will reduce the required deposit to a minimum.
B: 你和开证行商量一下，是否把押金设法减少到最低限度。

A: Still, there will be bank charges in connection with the credit. It would help me greatly if you would accept D/A or D/P. You can draw on me just as if there were a letter of credit. It makes no great difference to you, but it does to me.
A: 即使那样，开立信用证还要付银行手续费。假如你能接受承兑交单或付款交单，这就帮我大忙了。你就当作有信用证一样，向我开汇票，这对你来说区别不大，但是对我关系可大了。

B: Well, Mr Schmidt, you must be aware that an irrevocable letter of credit gives the exporter the additional protection of the banker's guarantee.  We always require L/C for our exports. And the other way round, we pay by L/C for our imports.
B: 史密特先生，你一定知道，不可撤消的信用证给出口商增加了银行的担保。我们出口一向要求用信用证；反过来讲，我们进口也采用信用证付款。

A: To meet you half-way, what do you say to 50% by L/C and the balance by D/P?
A: 我们都退让一步吧，货价的百分之五十用信用证，其余的用付款交单，你看怎么样？

B: I'm very sorry, Mr Schmidt, but I'm afraid I can't promise you even that. As I've said, we require payment by L/C.
B: 很对不起，史密特先生。即使那样，我恐怕也不能答应。我已经说过了，我们要求用信用证付款。

词汇讲解：

Irrevocable: 不可取消的　Letter of credit: 信用证　Draw on: 向...开汇票